Affirm Holdings, Inc. (AFRM) is a Software - Infrastructure company in the Technology sector, currently trading at $55.82. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of AFRM = $805.14 (+1342.4% from the current price, the stock appears undervalued). Analyst consensus target is AFRM = $82 (+46.1% upside).
Valuation: AFRM trades at a trailing Price-to-Earnings (P/E) of 57.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.04.
Financials: revenue is $3.2B, +34.3%/yr average growth. Net income is $52M, growing at +39.4%/yr. Net profit margin is 1.6% (thin). Gross margin is 67.5% (+10.2 pp trend).
Balance sheet: total debt is $7.9B against $3.1B equity (Debt-to-Equity (D/E) ratio 2.56, leveraged). Current ratio is 54.19 (strong liquidity). Debt-to-assets is 70.4%. Total assets: $11.2B.
Analyst outlook: 21 / 32 analysts rate AFRM as buy (66%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 60/100 (Pass), Growth 100/100 (Pass), Past 25/100 (Fail), Health 33/100 (Fail), Moat 80/100 (Pass), Future 73/100 (Pass), Income 30/100 (Fail).
